The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$96,891
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,905
−HK$3,062/mo
Today · 4.125%
HK$102,967
baseline
▲ 0.50% · 4.625%
HK$109,232
+HK$6,265/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$205,934/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,790
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,681
−HK$2,933/mo
Today · 4.125%
HK$113,614
baseline
▲ 0.50% · 4.625%
HK$119,603
+HK$5,989/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$227,228/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,269
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,886
−HK$3,675/mo
Today · 4.125%
HK$123,561
baseline
▲ 0.50% · 4.625%
HK$131,079
+HK$7,518/mo
Deposit HK$17.00M · loan HK$25.49M · min. income ≈ HK$247,122/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,349
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,818
−HK$3,519/mo
Today · 4.125%
HK$136,337
baseline
▲ 0.50% · 4.625%
HK$143,523
+HK$7,186/mo
Deposit HK$17.00M · loan HK$25.49M · min. income ≈ HK$272,674/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,648
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,867
−HK$4,287/mo
Today · 4.125%
HK$144,154
baseline
▲ 0.50% · 4.625%
HK$152,925
+HK$8,771/mo
Deposit HK$12.75M · loan HK$29.74M · min. income ≈ HK$288,308/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,907
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,954
−HK$4,106/mo
Today · 4.125%
HK$159,060
baseline
▲ 0.50% · 4.625%
HK$167,444
+HK$8,384/mo
Deposit HK$12.75M · loan HK$29.74M · min. income ≈ HK$318,120/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,404
−HK$10,937/mo
▼ 0.25% · 3.875%
HK$179,829
−HK$5,512/mo
Today · 4.125%
HK$185,341
baseline
▲ 0.50% · 4.625%
HK$196,618
+HK$11,277/mo
Deposit HK$4.25M · loan HK$38.24M · min. income ≈ HK$370,682/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,023
−HK$10,482/mo
▼ 0.25% · 3.875%
HK$199,226
−HK$5,279/mo
Today · 4.125%
HK$204,505
baseline
▲ 0.50% · 4.625%
HK$215,285
+HK$10,780/mo
Deposit HK$4.25M · loan HK$38.24M · min. income ≈ HK$409,010/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,805,883 · Scale 2, in force from 26 Feb 2026)